BBVA Spain | Online banking vs Open Young

The reference app in the financial market, trusted by over 8 million customers. Manage your personal finances, bank accounts, cards, savings, and investments quickly, easily, and 100% securely. MORE SPEED AND PERSONALIZATION We use Artificial Intelligence (AI) to optimize every banking operation. Make your online purchases or routine bank transfers with a single click. Plus, forget about searching for the same contact to send a Bizum; the app automatically organizes your favorite operations, payments, and financial products directly on the home menu so you don't waste time. WHAT'S NEW AND FEATURED SERVICES AT BBVA AQUA CARDS WITH AI AND COMMISSION-FREE PURCHASES ABROAD Your Aqua Card is a pioneer in banking security: no printed numbers and a dynamic CVV that changes with every online purchase. Now it goes a step further: • Unique design generated with AI: Personalize your Aqua Debit or Credit Card with exclusive images created by Artificial Intelligence. • Travel abroad without commissions: With the Travel Pack, pay at merchants worldwide in another currency (dollars, pounds...) without currency exchange fees (up to €300/month free on the Essential Plan). Plus, withdraw cash at international ATMs. If you are under 30, the Superior Pack is included! • Digital turn off and on: If you lose it, turn it off and on instantly from the app. FAST TRACK MORTGAGE: YOUR AMOUNT IN LESS THAN 8 HOURS Forget about simple mortgage simulators. With the Fast Track service, find out the real viability and exact amount to finance your future home. • No paperwork or waiting: Connect your official data in a 100% secure way (Tax Agency and Social Security) via Cl@ve Móvil. • In less than 8 business hours, you will get your personalized proposal with no obligation and without being a prior customer. YOUR FINANCIAL COACH AND EXPENSE CONTROL We help you improve your financial health with an automatic diagnosis of your monthly savings capacity. • AI analyzes your income and expenses to offer you a personalized plan. • Detect subscriptions and small recurring expenses, build an emergency financial cushion, and track the evolution of your money month by month. ALL FINANCIAL TOOLS AT YOUR FINGERTIPS • Bank Accounts and Bizum: Open your Fee-Free Online Account in 10 minutes. Pay or request money via Bizum instantly. Also available for minors (Kids' Online Account with adapted app and Bizum from age 12). • Financial Health and Bank Aggregation: Connect your other banks to see all your accounts, cards, and loans on a single screen. • Smart Discrete Mode: Automatically hide balances and transactions in public places to protect your privacy. • Blue Virtual Assistant: Resolve doubts 24/7 about transfers, bills, and operations with our AI chatbot. • Personal Loans: Simulate your monthly installment and apply for your personal loan 100% online. • Insurance: Apply for and manage your car, home, life, or health insurance directly from the app. • Investments, Funds, and Stock Market: Invest in the stock market, investment funds tailored to your profile, and trade with BBVA Trader. If you have negative returns on your funds in your first year, BBVA refunds you up to €300. • Pension Plans: Plan your retirement with periodic contributions and fee-free transfers. • Freelancers and Businesses: Invoicing management, mobile POS collection, and financing for your business. • BBVA Friend Plan: Invite your friends to open an online account and earn money. Additionally, the app is compatible with smartwatches and Wear OS. SUPPORT AND CUSTOMER SERVICE Do you have any questions or suggestions about the app? Write to us at bbvabancamovil@bbva.com If your terminal is not compatible, access your finances on BBVA Mobile Banking from bbva.es in your browser.

Con la App Open Young de Openbank tus hijos aprenderán aspectos básicos sobre educación financiera para gestionar de forma responsable su dinero. Podrán aprender a controlar sus gastos, ver todos sus movimientos por categorías mediante gráficos y cumplir tareas que les asignes para recompensarles. ¿Cómo funciona? La App Open Young funciona con la Tarjeta Prepago Mastercard Open Young, que puedes solicitar en openbank.es y en tu App Openbank. Está diseñada para que tu hijo aprenda a administrar sus finanzas de manera práctica y entretenida, a cómo utilizar su tarjeta y a familiarizarse con términos financieros como el ahorro. Además, ¡tu hijo también puede pagar con el móvil! Tan solo tiene que introducir su Tarjeta Open Young en Apple Pay. Si eres cliente de Openbank: • Solicita la Tarjeta Prepago Open Young sin comisiones para tu hijo desde la App Openbank y openbank.es. • Cuando tu hijo reciba la tarjeta, instala la App Open Young en su dispositivo móvil Tablet. • Identifícate con tu clave de acceso de cliente Openbank en la App Open Young de tu hijo para registrarle como usuario. Solo tendrás que hacerlo la primera vez que configures Open Young. ¡Ya está! ¡Podéis empezar a disfrutar Open Young! ¿Qué podéis hacer con Open Young? Desde la App Open Young, tu hijo puede: • Solicitarte la recarga de la Tarjeta Prepago Open Young. • Cumplir las tareas que les propones y premiarle con una paga. • Consultar el saldo disponible en su tarjeta, los movimientos y los gastos realizados, que puede filtrar por categorías y por fecha. • Crear presupuestos mensuales por categoría para que aprendan a controlar sus gastos. Por ejemplo, puede fijarse un presupuesto de 50 € en restaurantes para saber si lo ha superado. • Personalizar la imagen de perfil. • Solicitarte el bloqueo de la tarjeta. Una opción muy útil en caso de que la pierda. Y tú, desde la App Openbank, puedes: • Consultar sus gastos y movimientos de la Tarjeta Open Young. • Aceptar las peticiones que te hace tu hijo y recargar la Tarjeta Prepago Open Young. • Asignarle tareas y recompensarle cuando las cumpla. • Consultar los presupuestos que se ha fijado tu hijo. • Apagar temporalmente, encender y bloquear la Tarjeta Prepago Open Young.